Monet Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on loans climbed 26.84 percentage points in Q2 2026, from 6.64% to 33.48%. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, Monet Bank sits 2nd from the top on net interest margin, 7.28% as of Q2 2026. Against a median of 3.71% for banks in the $1B-10B asset tier, Monet Bank reported 7.28% on net interest margin in Q2 2026, 3.57 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.58% |
| Yield on loans | 33.48% |
| Yield on securities | 7.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.09% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 3.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.28% |
| Yield to cost spread | 6.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $35.2M |
| Total interest expense | $16.7M |
| Interest expense on deposits | $7.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.68% | 3.69% | 1.35% | 9.37% | 3.58% |
| Q4 2023 | 4.22% | 3.83% | 0.90% | 9.03% | 2.01% |
| Q1 2024 | 5.53% | 3.83% | 2.32% | 10.39% | 4.44% |
| Q2 2024 | 5.42% | 4.01% | 2.16% | 9.34% | 4.06% |
| Q3 2024 | 4.46% | 4.25% | 0.87% | 8.68% | 2.31% |
| Q4 2024 | 5.13% | 4.12% | 1.68% | 8.57% | 3.99% |
| Q1 2025 | 5.15% | 3.93% | 1.76% | 8.17% | 4.69% |
| Q2 2025 | 4.46% | 3.71% | 1.35% | 10.02% | 4.00% |
| Q3 2025 | 4.30% | 3.50% | 1.46% | 8.97% | 3.81% |
| Q4 2025 | 4.39% | 3.35% | 1.87% | 8.82% | 3.74% |
| Q1 2026 | 4.22% | 3.08% | 1.94% | 6.64% | 4.04% |
| Q2 2026 | 9.58% | 3.09% | 7.28% | 33.48% | 7.04% |
Monet Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monet Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Monet Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32574) · FFIEC NIC profile (RSSD 1176881)